Credit union · NCUA insured
Access Federal Credit Union Savings Rates
Top CarrotAccess Federal Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Access Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Utica, NY, where Access Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Access Federal Credit Union
1.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $115
Money Market Savings
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
Bank of Utica
2.30%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $230
Access Federal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Access Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
1.15%APY
Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. | 0.25% | — | Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. |
| $10,000 – $25,000Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. | 1.15% | $115 | Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. |
| $25,000 – $50,000Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. | 1.60% | — | Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. |
| $50,000 – $100,000Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. | 1.60% | — | Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. |
| $100,000 and upMust maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. | 1.60% | — | Must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day. |
Sources (2)
All captured Oct 16, 2026
Other Savings
0.25%APY
Other share accounts (vacation, taxes etc.) can be opened and closed at any time. Dividends earned on balances greater than $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Covers Vacation Clubs / other share accounts.$25 and up | 0.25% | $25 | Must maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Covers Vacation Clubs / other share accounts. |
Sources (2)
All captured Oct 5, 2026
Regular Savings
0.25%APY
A $5.00 minimum deposit is required to establish and maintain your membership. Must maintain a minimum balance of $25.00 each day to obtain the disclosed APY. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Prime share savings minimum balance is $5.00. No monthly service fees.$25 and up | 0.25% | $25 | Must maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Prime share savings minimum balance is $5.00. No monthly service fees. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Holiday Club
0.25%APY
Special savings account to save for the holiday season. Funds available on/about October 15th and directly deposited into account. Dividends earned on balances greater than $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Deposits can be made at any time for any amount. Funds available on/about October 15th.$25 and up | 0.25% | $25 | Must maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Deposits can be made at any time for any amount. Funds available on/about October 15th. |
Sources (2)
All captured Oct 5, 2026
Who can join Access Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or go to school in the City of Oneida or Fulton, Hamilton, Herkimer, Lewis, Madison, Montgomery, Oneida, or Otsego County are eligible to join.
Employers and groups
- Businesses and organizations located within the eligible service area are eligible to join.
Family and household
- Immediate family members of any ACCESS Federal Credit Union member are eligible to join.
Membership information collected October 5, 2026.